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By Matt Walsh
MELBOURNE Jordan 6 Retro UNC , Jan. 21 (Xinhua) -- Eighth seed Spaniard David Ferrer has played the villain on Night 4 of the Australian Open, sending Australian stalwart Lleyton Hewitt packing in what was his last professional tennis match.
An emotional Hewitt had to farewell Melbourne Park for the final time, after being outclassed by Ferrer on Thursday night, 6-2, 6-4, 6-4.
Immediately following the loss Jordan 6s UNC , Hewitt said the time was right to draw the curtains on his illustrious career which spanned over three decades.
"I'm so fortunate to have had this opportunity for 20 years," he told the crowd. "I've had so much success on this court. I feel fortunate to finish here."
Meanwhile Ferrer paid tribute to Hewitt's contribution to the game, and recalled idolizing Hewitt as a young player.
"I don't have idols, but Lleyton is an idol for me," Ferrer said, "Seven years ago Lleyton Hewitt signed my t-shirt. I still have it."
Earlier Jordan 6 UNC , fourth seed Stan Wawrinka edged past dangerous serve-and-volley veteran Radek Stepanek to edge closer to his second Australian Open crown.
Wawrinka won the match in straight sets, but admitted post-match that the 38-year-old Czech is a tricky opponent to play so early in the tournament.
"He is never easy to play, a tough player. I was expecting a tough match but I'm happy with the way I'm playing," Wawrinka told the press.
"I'm just happy, it's only the second round, I need to rest and be ready for the next one."
Women's seventh seed Angelique Kerber avoided the women's seed curse Men's Air Jordan 6 Retro UNC Black University Blue 384664-006 Cheap , winning her second round match against Alexandra Dulgheru, 6-2, 6-4, as did Madison Keys, however 11th seed Timea Bacsinszky, 18th seed Elina Svitolina and 30th seed Sabine Lisicki all joined the growing list of seeds to fall.
More than half of the 32 seeds in the tournament have now been eliminated in the first two rounds Retail Jordan 6 UNC Mens , with big names Simona Halep, Kvitova and Venus Williams among 15 others to have succumbed in the early stages.
There was better news for Australians on other courts, however. John Millman outlasted Gilles Muller in five sets to book a place in the third round, where he will meet compatriot Bernard Tomic, who defeated Italian Simone Bolelli in four sets.
Earlier, China's Zhang Shuai has continued her world-beating Australian Open form Cheap Jordan 6 UNC Mens , defeating top 40 player Alize Cornet in straight sets.
Zhang, celebrating her birthday on Thursday, backed up her breakthrough Grand Slam win against 2nd seed Halep with a convincing win against the Frenchwoman ranked an astounding 100 places above her.
The win means China will have one player at the third round of the Open, after other Chinese hopeful Zheng Saisai was eliminated.
The third round of the tournament begins in Melbourne on Friday.
Home > Parenting > Good ParentingDanger of Deferred Interest Mortgages: Understanding the Risks of Negative Amortization Home Loans
Posted by nick_niesen in Home on October 29th, 2010
Negative amortization or "neg am" occurs when the minimum payment on a mortgage covers less than the monthly interest charged, causing the balance of the loan to increase instead of decrease. Interest only loans generally don聮t increase the balance due on a home although they don聮t diminish the amount due. However Jordan 6 UNC Mens For Sale , deferred interest loans will increase your loan amount. This can happen with negative amortizations loans like a payment option ARM, where payment choices can be calculated based on COFI - The 11th District Cost of Funds Index which demonstrates the average interest rate paid by certain banks in Arizona, California and Nevada or on MTA - The 12 month Treasury Average, giving you a variety of choices in payments. While these loans can be a good deal when short-term interest rates are low, they are not necessarily the right choice when short term loans have a higher interest rate, like now. For most Jordan 6 UNC Mens Shoes , now is not the right time to refinance a fixed-rate loan for a deferred interest mortgage.
If you are looking to eventually cash out home equity, you should look for a purchase loan that involves paying some of the principal. Not only is it possible you may not build equity in your home with neg am loans, but you also may have a loss of equity through an increased mortgage balance. If you suddenly need to sell your home, you may not be able to get a purchase price high enough to cover your loan. You will also have more difficulty getting a second mortgage behind negative ARM loans.
Henry Savage, president of PMC Mortgage notes that on a deferred mortgage, 聯The mortgage balance can increase as much as $350 per month for every $100 Jordan 6 UNC Mens ,000 that's borrowed. The neg am on a $500,000 loan for example, can be as much as $1,750 per month.聰 He continues by noting, 聯There are not many circumstances where I would recommend an Option ARM.聰 However, there are a few instances where deferred interest or negative amortization loans may make sense.
Neg am loans are good for investment properties when you may be paying a double mortgage. They are also good for self-employed with cash flow issues. If you plan on normally paying some of the principal www.airjordan6unc2017.com , but don聮t know what your cash flow will be like from month to month, it may be helpful to have the option of a minimum payment.
Do you homework before deciding on a deferred interest mortgage. Although your payments will be lower, there are inherent risks involved and you may be better off with a fixed-rate mortgage.
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